application for funds for project to help …€¦ · new mortgage intervention counselors to...

APPLICATION FOR FUNDS

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APPLICATION FOR FUNDS FOR PROJECT TO HELP WASHINGTONHOMEOWNERS AVOID PREVENTABLE FORECLOSURES OR TO AMELIORATE

THE EFFECTS OF THE FORECLOSURE CRISIS

Please submit an application including all of the following information. Incompleteapplications will not be considered.

I. APPLICANT INFORMATION

Organization Name: Urban League of Metropolitan Seattle (ULMS)

Mailing Address: 1609 19th Ave, Second Floor

City, State, Zip: Seattle, Washington, 98122

County: King County

If Tribal, Designate Tribe:

Primary Contact Person: Linda Taylor

Primary Contact Phone No.: 206.353.8303

Primary Contact Email: [email protected]

Secondary Contact Person: Tamrra Ellingson

Secondary Contact Phone No.: 206 461 3792 ext 3013

Secondary Contact Email: [email protected]

II. ORGANIZATION TYPE

(check applicable)

501(c)3 nonprofit

Tribal

Governmental agency

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III. IDENTIFYING INFORMATION

Tax Identification Number (TIN): 91-0575954Uniform Business Identifier (UBI): 601139049

A. Does your organization currently receive any funding from the AGO? If yes,please identify the date of your last report.

No; Yes.Yes, ULMS receives AGO funds thru the Washington State Housing FinanceCommission. The last report was sent to the WSHFC on June 26, 2012.

B. Does your organization receive any funding from any other governmental agencyfor housing related projects or foreclosure related assistance? If yes, list thecontracts by title, contract number and funding amount for the past 3 years.

No; Yes.October 1, 2011 - September 30, 2012- Washington State Housing Finance Commission, $388,850- HUD (through National Urban League), xxxx, $15,000

October 1, 2010 - September 30, 2011- HUD (through National Urban League, 33,342.86

October 1, 2009 - September 30, 2010-HUD (through National Urban League), $24,527.88

C. Is your organization solely owned/operated by a current state employee? If so,please complete the Ethics Certification process at www.ethics.wa.gov.

No; Yes.

IV. PROJECT PROPOSAL

A. Project Title ULMS Foreclosure Intervention ProgramEnhancement

B. Requested Amount: $634,260.00

C. Project summary: In 150 words or less, concisely describe your project and howit meets the criteria set forth in the settlement. This summary will help theCommittee review proposals. Attachments and exhibits are not allowed in thissection. Over-length summaries will disqualify application.Since 1979, the ULMS’s HUD approved Housing Program has assisted thousandsof homeowners in the Puget Sound region who face foreclosure. Our clientele isdiverse. During the last two years, alone, our clients were 40 percent minoritiesand 60 percent white.

With $634,260, we propose a three-year enhancement to improve access toforeclose prevention and mitigation services in Pierce County and south King

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County. We will establish an office at the Tacoma Urban League, staffed by threenew mortgage intervention counselors to address high mortgage delinquency in anarea with few foreclosure prevention programs. The project duration responses toestimates that Washington’s backlog of 76,813 mortgages delinquent for 90+ dayswill take two to four years to clear. By project end, ULMS will have assisted over13,000 homeowners, with 4,464 served by the new staff in Tacoma. Our goal:increase number of homeowners who maintain their homes after foreclosuremitigation.

D. Describe how your project meets the criteria set forth in sections I and III above,including estimated start and completion dates. Supporting information andexhibits may be included here. Please try to make your submission as concise aspossible.Since 1979, Urban League of Metropolitan Seattle (ULMS) has assistedhomeowners in Pierce, King and Snohomish counties who are delinquent withtheir mortgage payments and/ or face foreclosure. Our Foreclosure InterventionServices work with these clients to stop preventable foreclosures or mitigate theadverse effects associated with foreclosure. We help clients seeking assistancewith bringing mortgage current, modifying their mortgage, initiating a repaymentplan with mortgage mediation.

In FFY 2010/11, ULMS housing counselors served 1134 clients, More than halfof them (75 percent or 850) received Foreclosure Education and CounselingServices. The service breakdown for these clients is as follows:

- 137 Completed the Resolving / Preventing Mortgage Delinquency Workshop,which prepared them to pursue resolution of their mortgage crisis without furtherassistance;- 350 Received a Home Equity Conversion Mortgage Certificate;- 55 With the assistance of our housing counselors resolved their mortgagecrisis;- 13 Were referred for legal assistance- 301 Continued with counseling- 126 Referred to another social service or emergency assistance agency- 14 Withdrew from counseling

The ULMS clientele is very diverse. For example, almost a third of those weassisted during the last two years were African Americans (20 percent) andHispanics (12 percent), with White consumers accounting for 60 percent. It isimportant that we serve African Americans and Hispanics because research showsthat borrowers from each of these two populations were twice as likely to eitherhave had their homes foreclosed upon or were seriously delinquent (25 percent vs12 percent) between 2004-2008. (Schreiber, Michael, Study:African Americansand Latinos Twice As Susceptible to Foreclosure As Whites, credit.com,11/21/11). Many of them have been subject to discriminatory practices, such asbeing steered away from prime loans, for which they qualified, into higher-

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interest-rate sub-prime loans. (Isidore, Chris, BofA Settles Unfair Lending Claimsfor $335 Million, CNNMoney, 12/21/11).

The key to the success of ULMS's foreclosure program are our HUD - certifiedHousing (Foreclosure Intervention) Counselors. In six-hour workshops scheduledthroughout a year and/or one-on-one confidential sessions, they provide clientswith the following support:- Information about the foreclosure process and forms- Assistance with completing the forms, especially the budget documents- Counseling to help the clients determine the best course of action for themselves- Client advocacy during negotiations or mediation with the mortgage bankrepresentative, working toward a realistic solution for both the bankers andclients.- Referrals to other services, including mediation and civil legal assistance, asappropriate

With our funding request, we will add three new staff persons, three counselors tothe Foreclosure Intervention team, All three will be located in Tacoma, at theUrban League office there. While Tacoma-area foreclosure rate declined fromJanuary 2011 to January 2012, the delinquency rate increased. About 10 percentof the mortgaged properties in the area are 90+ days delinquent (John Gillis,Tacoma-area Foreclosure Rates Decline; Delinquency Rate Up, The NewsTribune, 3/27/12). Pierce County has few foreclosure prevention programs. Solocating staff in Tacoma will improve and increase access to such services in thatcommunity.

Since the ULMS's foreclosure intervention program is well established, work on anew contract with the Attorney General's Office can begin soon after a contract isawarded. The task to achieve successful start up will be bring new staff on board.The projected timeline is as follows:

Recruit & Hire (within one month of contract)Train New Hires (within one month of hire)New Hires See Consumers with Mentor Support(week four the week 12 afterhire)New Hires See Consumer with Regular Supervision Only (after week 12)

ULMS expects that it will take three years to complete this project. The MortgageBankers Association estimates that Washington has 76,813 mortgages that aredelinquent for 90+ days or going through the foreclosure process. Further, itreports that, at the state's current foreclosure rate, it would take almost four yearsto clear this backlog; and, at last year's rate, to clear the backlog would take overtwo years. This said, new staffing at ULMS will support the AGO's objective tohelp more homeowners dealing delinquency and foreclosure issues address theseissues quickly and positively.

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E. Describe the demographics of the consumers you serve. Please providesupporting data or statistics.The vast majority of ULMS clients resided in King, Snohomish, and Piercecounties. In addition,57 percent of them participated in our ForeclosureIntervention services. Regarding race and ethnicity, client self reports were: 10percent Hispanic, 61 percent White, 20 percent Black, seven percent Asian, andeight percent multi-racial. Fifty-one percent reported incomes less than 50 percentAMI. Another 2357 reported incomes greater than 80 percent AMI. (Source:ULMS Counselor Max Client Management System).

F. Describe the geographic scope of your project.ULMS's Foreclosure Intervention services focus on homeowners with mortgagesin Snohomish, King and Pierce Counties. According to the US Census, 54percent of Washington's homeowners with mortgages live in these counties. Thisarea is not very racially or ethnically diverse. Whites and non-Hispanichomeowners with mortgages make up 82 percent and 96 percent of these threecounties, respectively. However, this area is home to a large percentage of thestate's racial and ethnic homeowners with mortgages: 51 percent White, 82percent Black, 83 percent Asian, and 41 percent Hispanic. (DP04: selectedHousing Characteristics, 2006-2010, American community Survey, Five-YearEstimate). In addition, according to Realtytrac.com, these three counties tend tohave the greatest numbers and highest rates of new foreclosure filings in the state.See table below for May 2012:

Number RateState 2,445 1/1180 housing unitsSnohomish 444 1/646King 650 1/1310Pierce 592 1/550

Indeed, the foreclosure filing rates in Pierce and Snohomish counties are higherthan that of the state.

G. Identify the total number of consumers you expect to serve during the life of thisgrant.During the three year life of this grant, ULMS housing counselors will assist13,536 new clients with foreclosure and mortgage delinquency issues. Currently,ULMS has seven counselors. Collectively, they will serve 9,072 new clients. Thisassumes that a housing counselor works 48 weeks/year x 4 days/week (or 192days) and assists three new clients a day for 576 new clients a year, with 75percent of clients (432) needing help with foreclosure issues.

The project enhancement will bring on three new housing counselors who willspent 75 percent of their time providing foreclosure intervention services.Together, they will assist 4,464 new clients. For the first year, we project that

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they will serve only 936 new clients given training time and learning curve.

H. If this is not a new project, describe what changes are being made to an existingproject.ULMS intends to add three new staff people (three housing counseling) and basethem Pierce County. Specifically, we will rent space at the Tacoma UrbanLeague office. As mentioned previously, Pierce County has few foreclosureprevention resources and a growing delinquency rate. It also has a significantnumber and percentage of African American, Hispanic, active Military as well asVeteran homeowners who could have been subject to discriminatory lendingpractices. The additional staff, will provide one-on-one housing counseling,conduct once monthly workshops and do outreach in Pierce and south Kingcounties, will increase access to much needed foreclosure prevention services inthese areas.

Each staff will spend 25 percent of his/her time on outreach, educating thecommunity about discriminatory practices, the foreclosure process, and resourcesavailable for those who are delinquent on the mortgage payments and/orthreatened with foreclosure, including rights and responsibilities to mediation.Community settings and events, include, for example, parent nights at schools andchildcare centers, churches and other faith communities, neighborhood councils,and the Black Collective.

The objectives of the outreach components are:- to communicate with homeowners directly- to communicate with groups that have mechanisms to share information withhomeowners- to partner or cohost with community groups "housing resource fairs" that attracthomeowners who would benefit from foreclosure prevention services

I. Describe how net benefit or positive outcomes can be measured at the end of theproject.The products that help delinquent borrowers with their mortgage paymentsand/or in the process of foreclosure are: Refinancing, Mortgage LoanModification, Repayment Plan, Forbearance, Military Forbearance, Short Sale,Deed to Lease/ Deed in Lieu, and Reverse Mortgages (for seniors with tax andother financial problems. ULMS will track/measure the number and percentageof clients seeking assistance with mortgage delinquency and/or foreclosure byrace and ethnicity and by number of months delinquent, as well as the number ofeach product obtained by race/ethnicity and by number of months delinquent. Inaddition, it will report on the aggregate value of the property preserved andequity saved.

To measure these positive outcomes and net benefits, ULMS will use it ClientInformation Management System ( Counselor Max) to generate outcome reportsquarterly, annually and at the end of the project. Counselors enter data from client

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intake forms into this system (daily/weekly). Data from these forms includeinformation such as location and value of property, number of months delinquent,homeowner's race and ethnicity and other demographic information, form ofassistance provided, and disposition of a client's case/problem.

Current, ULMS supplies a year end Housing Counseling Agency Activity Reportto HUD. With a few modifications, it can serve as a template for an AGO report.

J. Have you applied for an equivalent grant in the past, and if so, to which entity andwhen?No.

K. If you intend to collaborate with other organizations, please provide a letter ofsupport from that organization.Tacoma Urban League

L. Please provide an organization chart for your organization.See attachment

M. Please provide three references familiar with organization’s activities and theircontact information.Washington State Housing Finance CommissionBill Conner206 287 4456

Union BankRobert Williams,206.587.4771

King County Asset Building CoalitionAlice Cody206 251 7705

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V. PROJECT BUDGET

As noted previously, this grant must be used to provide additional services and not merelyreplace existing services or supplant existing funding. No current salaries or benefits may befunded using grants provided by the AGO unless expressly and explicitly granted, in advanceand in writing, by the Committee. The Committee reserves the right to request a more detailedbudget prior to selection.

A. Total Project amount:

Salaries: $405,000.00Goods and Services (identify): $169,200.00

Administrative Overhead $57,660.00Advertising or Outreach $2,400.00

Travel: 0.00Total: $634,260.00

B. What percent of your total project budget does this funding request represent?The funding request represents 100 percent of the total budget of this 3-yearproject enhancement to our Foreclosure Prevention Education and CounselingProgram. The budget for the Program without the Tacoma enhancement is about$552,000 annually.

C. If the project will be funded in part from other sources, identify those sources andthe funding amounts.N/A

VI. PROJECT ADMINISTRATION

A. Identify within your organization who will be directly responsible for thefollowing project components: (a) administration, (b) fiscal, (c) service delivery.Attach a current resume for the agency director, and the lead project staff person,and a current agency organizational chart.Administration - Pamela Banks, President/CEOFiscal - Marzieh Rassaian, Chief AccountantService Delivery / Project Lead - Linda Taylor, Housing Program Director

See attachments for requested items.

B. Describe what steps your organization will take to ensure that the project willserve its intended purposes and be completed on time.ULMS will use standard management practices to ensure that the project meets itsobjectives and is completed on time. These practices include:

- Performance agreements - The agreements set the annual performance

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requirements for each staff person in terms of the number new clients thecounselor is to assist one-on-one, the number of outreach events or contacts to bemade, and the number of foreclosure related workshops conducted.

- Team meetings, One-on-One Supervisory meetings and QuarterlyAccountability Reports - Once a quarter, the Program Director will review withthe team and with each individual, respectively, quarterly accountability reports.These reports shows (1) how the team and each individual is progressing withachieving their performance goals and (2) the results of their respectiveforeclosure prevention or mitigation efforts, e.g., the number of mortgagesbrought current, the number of mortgages modified, the number of payment plansestablished, etc. These meetings serve not only as mechanisms of accountability,but also as opportunities for problem-solving. These meetings supplement regularweekly team and supervisory meetings.

- Mentor Program and Periodic In-Services - New hires will undergo the standardtraining required to become a HUD-certified Housing Counselor. After thistraining, each new counselor will pair up with an experienced counselor. Theexperienced counselor will mentor, coach and evaluate the new staff to assurehe/she provides appropriate and quality service. Regarding the in-services, allstaff will participate in periodic trainings in order to stay up to date on foreclosurerelated laws, practices, forms and solutions.

- Calendar of Trainings, Workshops and Outreach Events - The Program Directorwill maintain the master calendar and review with the staff.

C. Describe how you plan to measure and evaluate the success of your project andinclude samples of evaluation tools if available.ULMS will measure the success of the project by the number and characteristicsof the homeowners served as well as by he results or impact of the services thehomeowners received. Specifically, this impact report will include:

For Foreclosure Intervention Workshops,- # of owners who participated, by race and ethnicity and by length ofdelinquency- # of owners who rate the information received during workshop as "veryhelpful" in customer satisfaction survey- # of owners remaining in their home after participation in workshops, by raceand ethnicity and by length of delinquency (as determined during six monthfollow-ups)

For Foreclosure Intervention One-on-One Sessions- # of owners who participated, by race and ethnicity and by length ofdelinquency- # of owners who rate the information received during workshop as "very

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helpful" in customer satisfaction survey- # of owners remaining in their home after participation in the sessions, by raceand ethnicity, by length of delinquency and by foreclose prevention product, e.g.,modification, repayment plan, etc.

For Outreach- # of outreach events- # of referral partners established- # of program participants who indicate outreach event or partner as source ofreferral at intake or workshop registration.

This data will be generated quarterly, by the program director, using theCounselor Max client management system.

VII. CERTIFICATION

I certify that I have the authority to submit this proposal, and that the information in this proposalis true and accurate. If my organization is faith-based, I understand that federal and state lawprohibit the use of public funds for religious worship, exercise, instruction or support of anyreligious establishment.http://www.acf.hhs.gov/programs/ccb/law/state_faith_based.htmhttp://www.leg.wa.gov/LawsAndAgencyRules/constitution.htm

I understand that my organization will not receive reimbursement for any costs incurred inpreparing this proposal. If awarded funding, I understand that our proposal will be incorporatedinto the final contract.

Printed Name and Title:Signature (by entering name here,form is electronically signed):

Date:

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http://www.acf.hhs.gov/programs/ccb/law/state_faith_based.htm

http://www.leg.wa.gov/LawsAndAgencyRules/constitution.htm

VII. CERTIFICATION

I certify that I have the authority to submit this proposal, and that the information in this proposal is true and accurate. If my organization is faith-based, I understand that federal apd state law prohibit the use of public funds for religious worship, exercise, instruction or support of any religious establishment. http://www.aef hhs.gov/programs/ceb/iaw/state Jaith~ based. hIm http://www.leg.wa.gov/LawsAndAgeneyRuleslconslitution.htm

I understand that my organization will not receive reimbursement for any costs incurred in preparing this proposal. If awarded funding, I understand that our proposal will be incorporated into the final contract. ,--_---

Printed Name and Title: L {~~ \ ~ ~ c.5'R:Signature (by entering name here, ~~ \.A; form is electronically signed):

Date: b /t'1 \ '2.J)l1-

(Version Date: 5/1512012)

ApPLICA nON FOR FUNDS

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Board of Directors•Steven Okamura•Wally Ralkowsky•Walter Mercer

President/CEOPamela L. Banks

Director ofHousing

Linda Taylor

Contracts &Grants Writer

CounselorTamrra Ellingson

MortgageIntervention

Counselor/CreditBudget Counselor,Homeownership

CounselorAngela Williams


AssistantDennis

Jimmerson

ContractReportingSharran

Wallace-Ross

ChiefAccountant

MarziehRassaian

InternMelanie Seard


CounselorElvira

Hernandez

Angela Williams

Mediation &Mortgage

InterventionCounselor, Rental

Mack Murray

EmploymentSpecialist,Mortgage

InterventionCounselor

Marilyn Harris

MortgageInterventionCounselor,

HomeownershipCounselor

Natalie Lockhart

The Urban League ofMetropolitan SeattleOrganizational Chart HECM

CounselorAndreaMisiano

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PAMELA BANKS - BIO 2012

Pamela was hired as the President and CEO for the Urban League of Metropolitan Seattle in June 2012. Prior to this position she worked for the City of Seattle for 30 years. Most recently she was a program manager for the city's Department of Neighborhoods. She was responsible for managing community outreach and public engagement processes for the city's neighborhood plan updates and the neighborhood district coordinator program which connects Seattle residents to government through community/capacity building and working in historical underrepresented communities to ensure they have access to city government.

Pamela was the Community Outreach Director for former Mayor Greg Nickels. She was responsible for his community relations, outreach events and public appearances. She also served on his senior policy and executive teams and supervised the outreach staff. Prior to joining the Mayor's office, she worked in the Seattle Department of Transportation (SDOT) as a strategiC advisor/community liaison on the city's first segment of light rail construction. She worked with over 350 property/and small business owners to resolve problems and issues as it related to construction impacts. She also coordinated tours for the Mayor, City Council and other public officials during the light rail construction.

Pamela has over 25 years' experience as a community organizer and volunteer. She worked as a Neighbor District Coordinator in the Department of Neighborhoods. In this capacity, she worked with business and community organizations connecting citizens with government, working on policy issues, providing strategiC advice and creating funding opportunities for neighborhood improvement projects.

As a public relations manager in the Housing and Human Services department, Pamela managed the outreach, eligibility, marketing and advertiSing for city's conservation programs funded by local, state and federal energy grants.

Pamela has volunteered and mentored youth and has served on a variety of nonprofit community boards. She was a board member and president of Seattle International Baseball League for 10 years, PTSA president at Garfield High School, Founding board member of the Garfield High School Foundation, Board Secretary for the Seattle/King County NAACP and chaired the youth, education, scholarship and services committee for the Rainier Valley Chamber of Commerce. She is a graduate of the University of Washington.

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I

c

o

A. Linda Taylor

Biography

A. Linda Taylor currently serves as Housing Director for the Urban League of Metropolitan Seattle

(ULMS). Ms. Taylor joined ULMS in 1998 as a Housing Counselor, responsible for Pre-Purchase

Counseling and now directs the ULMS Housing Department which includes six Housing Specialists who

coordinate counseling in the areas of: Faith Based Financial Literacy, Mortgage Default, Budget, Credit,

Pre-Purchase and Education, Rental Assistance, Transitional Housing, Reverse Mortgage and Home

Ownership. The department was awarded a statewide grant to assist families from the Gulf States that

were displaced to Washington State by Hurricanes Katrina, Rita and Wilma. Ms. Taylor and her staff

have assisted over 2,000 new neighbors throughout Washington State and most recently the Department

received 300K to assist families facing foreclosure; these monies are used as recoverable grants in the

City of Seattle and King County.

Ms. Taylor's credentials are extensive including direct management of a 27-person real estate office

where she was responsible for training agents, packaging loans and conducting First-Time Homebuyer

Classes, she is a licensed Washington State Real Estate Professional including certifications from the

National Development Council as a Housing Development Finance Professional, HUD Housing

Counseling from Neighborworks, and as a Real Estate Instructor from Washington State enabling her to

teach required continuing education classes to licensed real estate agents.

A. Linda Taylor Bio lof2

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( As an advocate of life-long learning, Ms. Taylor has completed various trainings including

Neighborhood Reinvestment in Housing Counseling, Home Club Development and Foreclosure

Prevention, and FHA Loss Mitigation.

Ms. Taylor teaches reverse mortgage courses within the School of Social Work at the University of

Washington as well as various community gatherings and is a founding member of the Seattle King

County Collation for Responsible Lending, In addition, she recently served as a member of Seattle's First

African Methodist Episcopal Church Child Development Center Headstart Board, where she volunteered

for over 15 years in various roles including 5 years as Board President, and currently serves on First

AME's Housing Board.

Ms. Taylor has committed her life to empowering those around her to become their ideal

selves by teaching them how to step into their greatness in all aspects of life. She is gifted

with the ability to organize and mobilize individuals in the community to work towards

educating and connecting individuals to the necessary resources for empowerment and

building wealth thru Financial Literacy and Homeownership. Ms. Taylor is truly an asset to

Seattle and surrounding communities.

Recent honors:

~ National Urban League's 2008 Community Development Leadership in Housing Award

~ Appointed to Governor Gregoire's Task Force on Financial Literacy

~ Appointed to Governor Gregorire's Task Force of Sub Prime Lending

~ Serves on the City of Seattle's Levy over Site Committee

~ Serves on the Seattle Housing Authority'S Citizens Review Committee for Yesler Terrace

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Jun,29, 2012 4:33PM

Tacoma Urban League

June 29, 2012

Consumer Protection Division Washington State Attorney General's Office 800 Fifth Avenue, Suite 2000 Seattle, WA 98104·3188

Attention: Rich Zwicker. Paralegal

Dear Mr. Zwicker:

No, 2220 P. 1

Empowering Communities. Changing Lives.

I iJm writing on behalf of the Tacoma Urban league to express our strong support for the Urban League of Metropolitan Seattle's (UlMS) $634,260 request to the Washington State's Attorney General Hto help Washington homeowners avoid preventable foreclosures or to ameliorate the effects of the foreclosure crisis." As you know, while the Tacomaparea foreclosure rate declined from January 2011 to January 2012. the delinquency rate Increased; and about 10 percent ofthe mortgaged properties In the area are 90+ days delinquent. Pierce county has few foreclosure prevention programs. the ability to locate two housing counselors and an outreach worker here to assist residents with foreclosure and mortgage delinquency issues is much needed. The Tacoma Urban League would be happy to make available to you low cost rental space at our office. We look forward to working with you to help some 10,000 homeowners with mortgage problems in Pierce and South King.

Sincerely,

Victoria Woodards President/CEO

2550 S Yakima Ave, Ste A. Tacoma. WA 98405.253.383.2007.253.383.4818 Fax www.thetacomaurbgnleague.org

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